Call reports 2016
STATE BANK OF NEWBURG — 2016
What STATE BANK OF NEWBURG reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 160,767,000 | 163,667,000 | 167,813,000 | 174,546,000 |
| Total loans | 127,059,000 | 130,684,000 | 130,562,000 | 132,906,000 |
| Allowance for loan losses | 2,300,000 | 2,193,000 | 2,197,000 | 2,198,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 26,323,000 | 24,668,000 | 27,127,000 | 35,565,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,370,000 | 129,823,000 | 133,354,000 | 140,458,000 |
| Interest-bearing deposits | 117,496,000 | 118,443,000 | 120,291,000 | 126,737,000 |
| Noninterest-bearing deposits | 11,874,000 | 11,380,000 | 13,063,000 | 13,721,000 |
| Equity capital | 29,941,000 | 30,496,000 | 30,993,000 | 30,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,731,000 | 3,495,000 | 5,271,000 | 7,055,000 |
| Interest expense | 258,000 | 526,000 | 832,000 | 1,141,000 |
| Net interest income | 1,473,000 | 2,969,000 | 4,439,000 | 5,914,000 |
| Noninterest income | 62,000 | 81,000 | 119,000 | 145,000 |
| Noninterest expense | 628,000 | 1,220,000 | 1,841,000 | 2,520,000 |
| Provision for loan losses | -11,000 | -121,000 | -121,000 | -122,000 |
| Pretax income | 918,000 | 1,951,000 | 2,838,000 | 3,661,000 |
| Income tax | 358,000 | 778,000 | 1,138,000 | 1,472,000 |
| Net income | 560,000 | 1,173,000 | 1,700,000 | 2,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,941,000 | 30,496,000 | 30,993,000 | 30,934,000 |
| Total capital | 31,460,000 | 32,038,000 | 32,535,000 | 32,552,000 |
| Risk-weighted assets | 120,792,000 | 122,761,000 | 122,747,000 | 128,901,000 |